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Benefits & Privileges

Earn Profit Monthly Profit Flexibility Additional Benefits
Earn Profit
Monthly Profit
Flexibility
Additional Benefits

Here’s how you can make your placement online via CIMB Clicks on desktop or CIMB Clicks mobile app.

Eligibility

  • Individuals aged 18 years and above
  • Joint account is allowed
 
Protected by PIDM up to RM250,000 for each depositor. To view PIDM's brochure, click here.

Requirements

  • NRIC or passport
  • Minimum deposit placement of RM1,000
  • Deposit increment in multiples of RM1
  • Available tenure: 12, 15, 18, 21, 24, 36, 48 or 60 months
  • A copy of utility bill for verification of address

Profit Rates

Fixed Return Income Account-i Monthy Returns Profit Rates

Based on the Shariah concept of Tawarruq.

Fees and Charges

Fixed Return Income Account-i Monthy Returns Fees and Charges

Terms and Conditions

Fixed Return Income Account-i Terms and Conditions (ENG)
Fixed Return Income Account-i Terms and Conditions (BM)
Declaration/ Disclosure by Applicant (ENG & BM)

Important Notes

Withdrawal is allowed at a minimum of RM1,000 and in multiples of RM1,000 under the same account number. Applicable for new and renewed FRIA-i account effective 18 January 2015 onwards.

Upliftment/Withdrawal before maturity is allowed through a rebate or Ibra’ clause whereby the customer agrees to give rebate in case of early demand of Murabahah Sale Price. Amount uplifted/withdrawn will be subjected to the following conditions:

 

  1.  For FRIA-i placement/renewal from 1 November 2018 onward:

    No profit will be paid for the withdrawn amount.

  2.  For FRIA-i placements/renewals prior to 1 November 2018:

    i. 1 to 3 months
    No profit will be paid for any fully or partially* withdrawn amount before the completion of its tenure.

    ii. 4 months and above
    Before Completion of 3 months
    No profit will be paid for any fully or partially* withdrawn amount.

    After Completion of 3 months
    For any fully or partially* withdrawn amount, half the profit of the contracted rate for each completed month of the withdrawn amount is payable.

    Profit is paid on a monthly basis. Monthly profit payments can be made directly into your affiliate Islamic or conventional account.

    *Profit on the contracted rate is payable for the amount that is not withdrawn.

FAQ

Fixed Return Income Account-i Frequently Asked Questions

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